Do you need affordable home insurance? Finding the best home insurance in Kansas can seem like a challenge, but it doesn’t have to be difficult. You can learn how to be a good candidate for affordable homeowners insurance with our tips and tricks. Just keep reading.
Understanding How Homeowners Insurance Protects You
Homeowners insurance is designed to financially protect your property and personal belongings in the event of a covered event. This includes your house, garage, sheds, and outbuildings that you own on your property. It also includes items stored in those buildings, including electronics, computers, furniture, lawn and gardening tools and even a small home office.
The trick to getting affordable homeowners insurance that fully protects you involves understanding the details and choosing the right coverage amounts. For example, home offices are typically covered up to $2,500. However, if you own a business on your property or a home office with lots of expensive equipment, the standard $2,500 cap may not be enough. In this instance, you’ll need to talk to our independent insurance agent about the equipment you have in your home business and its value so that the limits can be raised.
Another area that is commonly adjusted involves expensive collections. While homeowners insurance does cover jewelry and expensive collections, like artwork, the amounts may be less than the value of your collections. In order to make sure that the coverage amounts are accurate for what you own, you’ll need to take an inventory and list the values of those pieces. It’s also a good idea to take pictures. Once you have all this information, you’ll want to send it to the insurance agency. In the event that these items are damaged or destroyed, the insurance agency will have a full record of what you owned so that its replacement value can be included in your claim.
How to Be a Good Candidate for the Best Home Insurance
When insurance agencies create your policy, there are certain things they take into consideration in order to determine your monthly premiums and whether or not they can insure your home. One item is usually your credit score, which is used to determine if you can pay your premiums on time. Another item is your background. If you’ve been arrested or have a criminal record, the insurance agency may refuse to provide you with home insurance. Additional items that may disqualify you include:
- Filing too many claims on your homeowners insurance policy
- Having a lapse in your home insurance (not paying your premiums)
- Living in a high-risk location, like an area known for high crime
- Failing to perform regular maintenance on your home
- Living in a home that would be considered unsafe or hazardous
- Running a business out of your home (though you may simply need an additional policy for your home business)
Making Your Premiums Affordable with the Right Deductible
Home insurance comes with a deductible amount. This amount can be as little at $1,000 or much higher. It’s up to you. The deductible allows you to assume some of the financial responsibility for the damage to your home or personal property, and the more liability you assume, the cheaper your home insurance premiums. Since the deductible is always subtracted from the claim amount, you’ll want to make sure that it is an amount you can always afford.
Getting Home Insurance with Integrity Insurance
When it comes to getting affordable home insurance, you can count on our insurance agents at Integrity Insurance Agency to find you the best policy. We do this by looking at several different policies from many insurance agencies to locate the best one for your needs.
To get a quote for affordable home insurance with our independent agent at Integrity Insurance Agency, give us a call at 785-233-5401. For our Burlington office, call us at 620-364-1300.